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Dodge Ram Pickup 2500 Insurance Rates

Buying auto insurance by getting online quotes can be fast and easy, plus you will probably save money. The most important part is to compare as many rate quotes as possible so you can compare the cheapest rate quotes.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies competing for your business. Finding lower Ram Pickup 2500 insurance cost can be relatively painless. You just have to spend a little time comparing rates provided by online insurance companies. This can be accomplished by visiting this page.

Rates are impacted by these things

Insurance rates for a Dodge Ram Pickup 2500 will vary greatly depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Your credit history
  • Male drivers pay higher rates
  • Higher deductibles save money
  • Crash test rating for your Ram Pickup 2500
  • No claims lowers premiums
  • Having current coverage saves
  • Home ownership saves money

One last important factor that helps determine the rate you pay on your Dodge is the year of manufacture. A newer vehicle cost more so the cost to replace them will push premiums up. On the flip side, new Dodge models may have options like anti-lock brakes, adaptive headlights, and adaptive cruise control so those may provide discounts that lower premiums.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability - This coverage provides protection from damage or injury you incur to other people or property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Ram Pickup 2500 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper Ram Pickup 2500 insurance rates.

Comprehensive or Other Than Collision - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance - Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.

How Much are Dodge Ram Pickup 2500 Insurance Rates?